March Debt Progress Report

March Debt Progress Report

Posted by By Posted inDebt Free Journey, Debt Free Updates2 Comments

Disclaimer: This post may contain affiliate links. This is one way that bloggers make money, but it is at absolutely no extra cost to you if you choose to make a purchase based on my suggestions! Thank you!

How I paid off $850+ in debt during the month of March

My Story

If you have been following my story at all, you probably know that I tell my story at the beginning of every monthly report for those who just stumbled upon my blog. If you have read my story, feel free to skip ahead to my monthly report. I tell this story so I am not just some stranger, but instead someone who just might inspire each and every reader to follow the same journey!

My name is Elyse. I am 22, single with no kids and I am proudly on my way to being completely debt freeeee. I never really thought of myself as someone who was in debt. With no credit cards and no car payment, I was not the average American.  All I had was a few student loans. It wasn’t until a few weeks before my 22nd birthday that I got a loan for a Jeep and my very first credit card. I should say credit card(S). For the month of December, I thought it was so cool that I finally had a credit card. I was excited over it actually. I was learning about all the different rewards I could cash in and it was fantastic.

Towards the end of the month, I was cleaning off a bookshelf, getting ready to move (again), and found The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness. This $15 book completely changed my life path at the time. Dave describes being debt free as such a rewarding and achievable thing. In his book, he says it will take work and it will be hard, but it will be worth it. He has been right. There have been days were I have completely questioned my sanity. I sometimes wonder why I don’t just make minimum payments forever like everyone else.

“Sometimes, you have to like like NO ONE else, so someday you can LIVE like no one else.” – Dave Ramsey

30 Date Ideas For “I don’t Know, What do you want to do?”

Posted by By Posted inMillennial LifeNo Comments

I have written quite a few rants about dating as a millennial. It isn’t dating anymore, but it seems that I am not the only one who has this opinion. In the last few days, I have read a ton of articles about bringing back old dating styles.

I have heard excuses about being broke and not knowing what to do. Dates don’t always require money, but they usually require leaving the house. I don’t know why it is so completely impossible for some guys to pick a place and just go. But it is probably just as impossible as saying “What do you want to do?” to a woman and getting an actual answer. There are so many possibilities that when asked, what is a woman supposed to say? Dating can be hard. Usually both of you say "I don't know." Here is a great go to list for when neither of you have a date idea for the evening.

Some of these dates are super cheap and some of them could get a little pricey. A few of them would be good to watch for specials and have certain days that are cheaper than others! Not every couple will enjoy every one of these on the list, but there are a ton of ideas. I tried to keep most of the date ideas to things that don’t require a lot of advanced planning, but a few of them do. I know that I have done almost all of these at one point in my years of dating.

Here are 30 date ideas for the next time your partner says “I don’t know.”

All About This Sagittarius Stuff

Posted by By Posted inMillennial Life2 Comments

 

When I first chose the name “The Savvy Sagittarius” for my blog, I just thought it was playful and cute. I wasn’t that deep into my horoscope, but I was beginning to learn. I follow a few horoscope sites on my social media and some days it is completely spot on.

Some days I am amazed with the personality that comes out of my horoscope. While I don’t really pay attention to a lot of the theories behind the horoscopes, I do think they are extremely inspirational. The daily posts are motivating and encouraging, especially when they are completely on point with what is going on in my everyday life.

Below are the traits for a Sagittarius based on ZodiacFire.com and Astrology Zodiac Signs.

When I first chose the name "The Savvy Sagittarius" for my blog, I just thought it was playful and cute. I wasn't that deep into my horoscope, but I was beginning to learn.

Truest of all the Sagittarius statements that I have read,

“However, although she is wild, do not expect her to fall in love with you immediately. Once the Sagittarius woman does fall in love, she will be a loyal and caring partner. If you give her a reason to think a relationship with you is going to be difficult, she will simply walk out the door. The Sagittarius woman usually has multiple love affairs throughout her life, due to the fact that she will not settle for a relationship that makes her unhappy.”

My Journey Towards Minimalism: Getting Rid of My Clutter

Posted by By Posted inMillennial LifeNo Comments

Disclaimer: This post contains affiliate links, which means that I may make a small commission off of any purchases, at no extra cost to you. This is one way that blogs make money and I appreciate the support if you should choose to make purchases based on my suggestions.
Clutter is kind of a way of life. But what happens when you finally move most of your stuff out of your parents house and realize you have no place to put it? When you are moving and your find stuff that you haven't seen since you last moved? Here is my new journey towards getting rid of that stuff!

I come from a family with a mild case of hoarding. I love the sentimental things that I own. Clutter is kind of a way of life. But what happens when you finally move most of your stuff out of your parents house and realize you have no place to put it? When you are moving and your find stuff that you haven’t seen since you moved?

My mom will be the first to tell you how hard I am on her about all of the stuff we have accumulated since we moved into that house sixteen years ago.  When my grandma announced that we were having Thanksgiving at my mom’s house, I took it upon myself to use that as an excuse to clean their house. We started with the clutter in the kitchen closet, otherwise known as the “closet of doom.” The closet wasn’t necessarily as bad as I thought, but we found stuff from my childhood. My Easy Bake Oven was buried in the back of the closet. It was an adventure. An adventure that my mom even wrote about in the local paper.

After spending the holiday season helping my parents clean their house, I was amazed to come home and realize that I am slowly on the same path as my parents.

February Debt Free Progress Report

Posted by By Posted inDebt Free Journey, Debt Free Updates1 Comment

As a 22 year old, I am working hard at being #debtfreeby23. It is going to be quite the challenge, but I am up for the challenge to be debt free!

My Story

If you have been following my story at all, you probably know that I tell my story at the beginning of every monthly report for those who just stumbled upon my blog. If you have read my story, feel free to skip ahead to my monthly report. I tell this story so I am not just some stranger, but instead someone who just might inspire each and every reader to follow the same journey!

My name is Elyse. I am 22, single with no kids and I am proudly on my way to being completely debt freeeee. I never really thought of myself as someone who was in debt. With no credit cards and no car payment, I was not the average American.  All I had was a few student loans. It wasn’t until a few weeks before my 22nd birthday that I got a loan for a Jeep and my very first credit card. I should say credit card(S). For the month of December, I thought it was so cool that I finally had a credit card. I was excited over it actually. I was learning about all the different rewards I could cash in and it was fantastic.

Towards the end of the month, I was cleaning off a bookshelf, getting ready to move (again), and found The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness. This $15 book completely changed my life path at the time. Dave describes being debt free as such a rewarding and achievable thing. In his book, he says it will take work and it will be hard, but it will be worth it. He has been right. There have been days were I have completely questioned my sanity. I sometimes wonder why I don’t just make minimum payments forever like everyone else.

“Sometimes, you have to like like NO ONE else, so someday you can LIVE like no one else.” – Dave Ramsey

January Debt Free Progress Report

Posted by By Posted inDebt Free Journey, Debt Free Updates3 Comments

How this single, 22 year old paid off $1,500 in debt in ONE month and how she plans to keep it up this year!
I just posted my goals about getting debt free a little over a week ago, but I have been working on this all month! I have big goals of paying off all of my debt by the end of the year and I definitely got a good start this month!

Now, I have to be clear that I did this without selling anything so far. I didn’t trade in my vehicle for a cheaper vehicle. The same items are still in my home and I still live in the same place.

I did pick up a ton of extra hours at work and I was a lot more diligent with my grocery shopping and eating out. The military also put me to work for a little while this month, which ended up as a pretty nice paycheck. I was also very meticulous with my budgeting throughout the entire month.

My Story

If you have been following my story at all, you probably know that I tell my story at the beginning of every monthly report for those who just stumbled upon my blog. If you have read my story, feel free to skip ahead to my monthly report. I tell this story so I am not just some stranger, but instead someone who just might inspire each and every reader to follow the same journey!

My name is Elyse. I am 22, single with no kids and I am proudly on my way to being completely debt freeeee. I never really thought of myself as someone who was in debt. With no credit cards and no car payment, I was not the average American.  All I had was a few student loans. It wasn’t until a few weeks before my 22nd birthday that I got a loan for a Jeep and my very first credit card. I should say credit card(S). For the month of December, I thought it was so cool that I finally had a credit card. I was excited over it actually. I was learning about all the different rewards I could cash in and it was fantastic.

Towards the end of the month, I was cleaning off a bookshelf, getting ready to move (again), and found The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness. This $14 book completely changed my life path at the time. Dave describes being debt free as such a rewarding and achievable thing. In his book, he says it will take work and it will be hard, but it will be worth it. He has been right. There have been days were I have completely questioned my sanity. I sometimes wonder why I don’t just make minimum payments forever like everyone else.

“Sometimes, you have to like like NO ONE else, so someday you can LIVE like no one else.” – Dave Ramsey

If you haven’t read the book, I recommend you go buy it RIGHT NOW!. It will be $15 that changes your life completely. I will wait, just be sure to come back!

I officially started my debt free journey on January 1st, 2017. While progress seems slow right now, my goal is to have everything paid off by my 23rd birthday on December of 2017. I am a little uneasy about the goal, but I am going to work at it until I am debt free. I am trying not to look at the numbers and just keep looking at the goal ahead because the numbers will probably stress me out too much.

My goal is to get completely debt free, buy a house in cash, and continue to save for an even better house! I am extremely excited about the opportunities to come with my journey ahead.

But Debt Free At 23 has such a great ring to it.